Student Bank Account

For students and apprentices, helping you with your finances.

Apply for an HSBC Student Bank Account today:

Check eligibility and how to apply

Benefits

With the HSBC Student Bank Account you'll get:

£1000 Interest Free Overdraft

With an HSBC Student account you get a £1000 interest free overdraft offer.
No interest or charges whenever you use your overdraft

Assumed limit £1,200: 0% EAR (variable), giving a representative rate of 0% APR (variable).
Option to apply to increase overdraft as your studies progress

Increase of up to £2,000 in year two and £3,000 in year three.
Student Credit Card

Subject to status and account conduct.

Mobile banking

Day to day digital tools to help you manage your money on the go including Apple Pay® or Android Pay™.
HSBC Regular Saver

Put money aside each month and watch your balance grow with an HSBC Regular Saver.

Eligibility

Please ensure you can answer YES to the following questions:

are you 18 years of age or over?
have you been a resident in the UK, Channel Islands or Isle of Man for at least the last 3 years?
can you provide proof of address and identification if you currently don't have an HSBC current account?
can you confirm you do not hold a student account elsewhere?
are you studying, or intending to study:
- a full time qualifying course at a UK, Channel Islands or Isle of Man university / college?
- or a part-time course with a Disabled Students' Allowance.
postgraduates must have completed an undergraduate degree course in the UK, Channel Islands or Isle of Man in the last three years. To confirm this we must see proof e.g. graduation certificate / diploma or letter from university / college.
you have proof of your unconditional acceptance e.g. UCAS letter or letter from the university / college?

How to apply

Apply by phone or in branch

Book an appointment to apply by phone or in branch by calling:

03456 00 61 61

You'll need to provide identification, proof of your address and a recent bank statement.

Find out more about our acceptable identification documents

HSBC Student Welcome Brochure (PDF, 906KB) Download

Frequently asked questions

We understand that going to university can be a struggle financially. If you're worried about money, do come and talk to us. The quicker you act, often the easier it is for us to help you.

Order commission-free foreign currency on amounts between £100 and £2,500.

Cash machines: There is an ATM transaction fee currently 2% (minimum £1.75, maximum £5.00) for withdrawing cash at cash machines overseas. We will deduct the transaction fee from your account once we receive details of the payment from VISA, at the latest the next working day. Some cash machine operators may apply a direct charge for withdrawals from their cash machines and this will be advised on screen at the time of withdrawal.

Using your Debit Card abroad: Unless you agree that the currency conversion is done at the point of sale or withdrawal and agree the rate at that time, for example with the shopkeeper or on the self-service machine screen, the exchange rate that applies to any non-sterling debit card payments (including cash withdrawals) is the VISA Payment Scheme Exchange Rate applying on the day the conversion is made. Details of the current VISA Payment Scheme Exchange Rates can be obtained from the card support section of hsbc.co.uk or by calling us on the usual numbers. We will deduct the payment and the fee from your account once we receive details of the payment from the card scheme, at the latest, the next working day.

Transaction fees: For non-Sterling (foreign currency) transactions we will charge a fee of 2.75% of the amount of the transaction, using your Debit Card to pay for goods and services abroad (e.g. in shops or restaurants). This fee will be shown as a separate line on your statement as a 'Non-Sterling Transaction Fee'.

Some links may allow you to access other websites. Please read the linked websites' terms and conditions. HSBC Bank plc has no control over non-HSBC websites and is not liable for your use of them.

Manage your personal accounts easily and securely from your mobile phone. Using the HSBC Mobile Banking app you can view your balances and your last 90 transactions, make bill payments to existing beneficiaries and also transfer money between your accounts. It also has a handy branch and ATM locator in case you're out and about and need some cash (not currently available on BlackBerry digital devices).

To download the HSBC Mobile Banking app visit the App Store or Google Play and follow the instructions.

The HSBC Mobile Banking app is available for iPhone®, iPad® and Android™ and digital devices running up to date software.

Student Bank Account